So instead, here are some ways to make your insurance rates go up up up!

1. Absolutely refuse to bundle your policies.

You have auto insurance, life insurance, and probably more policies. If those are all with different companies and different agents doing work for each of them, you’re probably paying for all of those services individually. Do you think if you had one company and one agent handling all of those policies, you might save up to 20 percent?

2. Don’t look at any consumer complaints or reviews.

Some companies have awesome service and handle your claims well. Other companies aren’t as helpful, and filing a claim/getting help is a huge battle. Definitely do not ask around or read reviews to find out which insurance agency will treat you the best and give you the best service and rates.

3. Keep a really low deductible for everything.

Have you had a low history of claims for a while, but keep a really low deductible? Do you have sufficient funds to cover minor problems or repairs? Then you might be able to save on your monthly premiums if you increase your deductible. Keep it low and pay a huge monthly premium on your low-maintenance home.

4. Steer clear from any home repairs or improvements.

If your house is falling apart and prone to burglary, your rates will stay high. If you live in an area prone to flooding but don’t do anything to protect your home, your rates will stay high, especially because flood damage is the #1 cause of home insurance claims in the country. So definitely do not even consider making any improvements to your home

5. Buy first, plan later.

Buying a home near a fire hydrant may help you save on your homeowner’s insurance. Purchasing an updated home with added security features can help you save on your rates. If you consider some of these things when you’re house-hunting and buy a house that you know will help you get a lower rate, you may be able to save a lot of money. But don’t worry about it, go ahead and just wing this one. You could get lucky, right?

6. Just assume that you don’t qualify for any discounts.

Some groups of people just tend to file less claims than others. Don’t find out if you’re one of those people. Especially if you’re a senior citizen, or your employer can get you a group discount.

7. Be over-insured.

Just get as much insurance as possible, regardless of your needs and situation. For example, did you know that the value of your home does not include the land it’s on, and you should make sure you’re not overpaying because the land is included in the value?

8. Destroy your credit.

Many insurance companies will pull your credit report to check your score and will even increase your rates if your credit isn’t very good. Don’t check your credit report to make sure there is any incorrect information. And don’t make any efforts to improve your credit if you have a shaky history.

9. File a bunch of claims, even if you can pay out of pocket.

Multiple claims on your policy looks bad. You could face cancellation if you have a significant history of claims. So don’t think twice about filing a claim if it’s something you can handle on your own. Who cares if your homeowner’s insurance gets cancelled and no other companies will insure you?

With these tips, you are sure to keep your rates really high, probably unreasonably high. If you want to save money on your homeowner’s insurance, you could probably figure out some ways from the above, but the best way is to talk to the insurance professionals at Bradenton Insurance!